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| Provider | Service type | Compensation |
|---|---|---|
LT TRUST COMPANY1 year Filed as: LT TRUST Service code 12 · EIN 61-1607607 1675 BROADWAY SUITE 500 · DENVER, CO 80202 | Claims processing; Participant loan p... | $16,142 |
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING Service code 26 · EIN 43-1270780 5400 W 110TH ST. · OVERLAND, KS 66211 | Advisory (Participants) | $9,008 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,888 | $54,573-87.4% | $90,965-92.4% | $73,493-90.6% |
| Participation rate | 67.3% | 61.2%+6.2pp | 69.0%-1.7pp | 70.7%-3.3pp |
| Annual return | 13.47% | 16.69%-3.2pp | 134.57%-121.1pp | 28.51%-15.0pp |
| Employer contribution / active EE | $302 | $991-69.5% | $2,122-85.8% | $2,270-86.7% |
| Participant deferral / active EE | $1,588 | $2,517-36.9% | $3,373-52.9% | $3,740-57.5% |
| Admin fee / account holder | $62 | $521-88.1% | $5,960-99.0% | $513-87.9% |